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个人作业2(1449)译文.doc


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个人作业2(1449)译文.docWith public concern growing about the prospects for the long-term solvency of Social Security, some experts argue that raising the retirement age is a necessary step to keep the program working. Others argue that there are easier ways to fix Social Security without punishing retirees・ Should the retirement age be raised?
|Pfo|
Demographics Demand Change
One issue that President Obama's National Commission on Fiscal Responsibility and Reform will inevitably consider is an increase in the Social Security retirement age, most likely from age 67 (the current age for those born in 1960 or later) to age 69 or 70. Many of us in the actuarial community have advocated increasing the retirement age as a way to help address the program's financial challenges, and there are three compelling demographic reasons for such a change.
First, Americans are living longer-a lot longer. Today, the average retiree lives about 45 percent longer than a retiree did in 1940, and the actuaries at the Social Security Administration are projecting that retiree life expectancies will continue to improve in the years ahead. As life expectancy pushes upward, the Social Security program^ costs will very likely exceed what its scheduled financing can support.
For two decades, Social Security5s trustees have reported that the system is not in actuarial balance. Their 2010 report states that without correctiv

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